LTV · monthly repayment
▼ 0.50% · 3.625%
HK$74,456
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,772
−HK$2,353/mo
Today · 4.125%
HK$79,125
baseline
▲ 0.50% · 4.625%
HK$83,940
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,250/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,832
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,254/mo
Today · 4.125%
HK$87,307
baseline
▲ 0.50% · 4.625%
HK$91,909
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,614/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,347
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,127
−HK$2,823/mo
Today · 4.125%
HK$94,950
baseline
▲ 0.50% · 4.625%
HK$100,728
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,900/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,398
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,064
−HK$2,704/mo
Today · 4.125%
HK$104,768
baseline
▲ 0.50% · 4.625%
HK$110,291
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,536/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,239
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,481
−HK$3,294/mo
Today · 4.125%
HK$110,775
baseline
▲ 0.50% · 4.625%
HK$117,516
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,550/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,965
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,075
−HK$3,155/mo
Today · 4.125%
HK$122,230
baseline
▲ 0.50% · 4.625%
HK$128,673
+HK$6,443/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,460/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,021
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,190
−HK$4,236/mo
Today · 4.125%
HK$142,426
baseline
▲ 0.50% · 4.625%
HK$151,092
+HK$8,666/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,852/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,097
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,096
−HK$4,056/mo
Today · 4.125%
HK$157,152
baseline
▲ 0.50% · 4.625%
HK$165,436
+HK$8,284/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,304/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,734 · Scale 2, in force from 26 Feb 2026)